Plan Smart Life Insurance

Plan Smart Life Insurance Plan Smart is a life insurance organization operated by Paul Aker, JD

09/19/2026

You never wait to tell them you love them. So, why wait to show them?

Nobody is strong enough to hold back the hands of time. But we can plan for the future.
09/18/2026

Nobody is strong enough to hold back the hands of time. But we can plan for the future.

08/29/2026

Not all life insurance policies are the same. Some provide great coverage for a reasonable price. But the details matter.

What a Funeral Actually Costs in 2026Most people never learn what a funeral costs until they're sitting in a funeral hom...
08/20/2026

What a Funeral Actually Costs in 2026

Most people never learn what a funeral costs until they're sitting in a funeral home, planning one. That's the worst possible moment to find out.

Start with the last full industry study. In 2023, the National Funeral Directors Association put the median funeral with viewing, burial and a vault at $9,995. Federal price data shows funeral costs have risen 10.3% since. In today's dollars, that's about $11,000 — and it still leaves out the cemetery entirely.

The cemetery bills separately:

Item Typical 2026 cost
Funeral home, casket, vault $11,000
Burial plot $2,500
Opening and closing the grave $1,500
Headstone and installation $2,000
Obituary, certificates, flowers $750
Realistic total $17,750

Cremation with a full service lands closer to $9,000 all in.

Here's the part that catches people. Funeral prices have climbed an average of 3.6% a year for four decades — faster than general inflation in most of them. At that pace, today's $17,750 burial runs about $25,000 in ten years and $30,000 in fifteen. You're not budgeting for this year's price. You're budgeting for the year it happens.

Where final expense insurance fits

Final expense is a small whole life policy built for this bill. No medical exam, just a few health questions, so it stays realistic in your 70s or with a health history behind you. The premium locks for life, the coverage never expires, and the money goes to a person you name — who can put it toward whatever is actually due.

One caution: the typical policy sold is $10,000. Against a $17,750 burial, that's a down payment. Buy for the year you'll need it, not this one.

From the US Social Security Administration.DOES INTEREST EARNED ON YOUR (AND YOUR SPOUSE'S) BURIAL FUND COUNT AS A RESOU...
12/10/2022

From the US Social Security Administration.

DOES INTEREST EARNED ON YOUR (AND YOUR SPOUSE'S) BURIAL FUND COUNT AS A RESOURCE OR INCOME FOR SSI?
No. Interest earned on your (or your spouse's) burial fund that you leave in the fund does not count as a resource or income for SSI and does not affect your SSI benefit.

Attention Seniors: This is a great program designed just for you!
12/05/2022

Attention Seniors: This is a great program designed just for you!

"Ethically, how responsible am I for my brother? How do I justify making arrangements for him to go into assisted living...
11/17/2022

"Ethically, how responsible am I for my brother? How do I justify making arrangements for him to go into assisted living so I can enjoy the retirement we planned on, knowing that his quality of life will diminish? How do I set aside this strong sense of disappointment in myself?"

https://www.nytimes.com/.../ethics-schizophrenic-family.html

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480 Pio Drive
Wailuku, HI
96793

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+18084367021

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